The voices, thoughts, and opinions of podcasters are more than just words; they’re their business. Founder Shield is the partner who understands the unique risks and nuances of your podcasting business. We ensure your creativity flows uninterrupted, safeguarding you against the unexpected.
When you have got comprehensive podcast insurance, your focus remains on creating valuable content without worrying about unforeseen claims and costs.
Podcasting has exploded into a vibrant and essential medium for entertainment, education, and communication. With over 2.6 million active podcasts and almost 87 million episodes available on Spotify, the most popular platform used for podcasts in the US, it’s evident that the industry is not just growing; it’s thriving.
But with growth comes risk. The intimate nature of podcasts — often diving deep into various subjects — can lead to potential legal challenges such as copyright infringement, defamation, or slander. This explains the critical importance of insurance for podcasters, ensuring that your creativity isn’t silenced by a single claim or legal dispute.
As podcasts become more interactive, the need for media liability insurance intensifies. Our podcaster insurance is essential not only for protecting against content-related claims but also for addressing the technical and operational aspects of running a podcasting business.
Why Is Insurance for Podcasters Important?
Podcasters can leverage insurance to be protected against several risks, improve the efficiency of their business processes, and position themselves as credible within the industry.
Copyright infringement
If you use copyrighted material in your podcast without permission, you could be sued for copyright infringement. This could include using music, sound effects, or excerpts from other works without permission.
Defamation
If you say something defamatory about someone on your podcast, you could be sued for defamation. Defamation is a false statement that harms someone’s reputation.
Privacy invasion
If you disclose someone’s private information on your podcast without their permission, you could be sued for privacy invasion. This could include disclosing their name, address, phone number, or other personal information.
Errors and omissions
If you make a mistake in your podcast that causes someone financial harm, you could be sued for errors and omissions. This could include giving incorrect financial advice or making a factual error that damages someone’s reputation.
Podcaster Insurance Coverage & Policies
These coverages form the foundation of any risk management program for podcasters:
General Liability Insurance offers protection against claims related to bodily injury, property damage, or personal and advertising injuries that a business might inadvertently cause. For podcasters, even though their work is predominantly online, there can still be physical risks, especially if they have a studio, conduct in-person interviews, or host live events. This coverage ensures that an accident, like a guest tripping over equipment in the studio, doesn’t lead to substantial out-of-pocket costs.
Errors and Omissions (E&O) Insurance covers professionals against claims of negligence, mistakes, or misrepresentations that adversely affect clients or third parties. Given that podcasters are essentially disseminating information and views, there’s always the potential risk of inadvertently misrepresenting facts or misinterpreting information. E&O coverage protects podcasters from possible financial consequences stemming from such claims.
Content Creator Insurance is specifically designed for individuals and entities involved in the creation and dissemination of content. Podcasters, always at the forefront of content creation, may inadvertently breach copyrights, face content-related legal disputes, or confront defamation claims. This policy acts as a safeguard against potential legal repercussions, ensuring that creative expression isn’t stifled by fears of litigation.
Property Insurance offers coverage against damage to or loss of physical assets. While podcasting is a digital medium, podcasters often invest in valuable equipment like microphones, sound mixers, computers, and studio setups. Property insurance ensures that unforeseen incidents, whether they’re thefts, fires, or other damages, don’t lead to significant financial setbacks, allowing podcasters to continue producing content without major disruptions.
Understanding the costs associated with podcast insurance is important for budget-conscious podcasters. At Founder Shield, we consider all the factors influencing policy premiums, such as coverage limits, the scale of operations, and the specific risks associated with different podcast genres.
Our typical podcast insurance policy includes professional liability insurance, which covers general liability, and errors and omissions insurance, ultimately protecting against claims of bodily injury or property damage and legal costs connected with these claims.
Factors such as the size of your audience, the nature of your content, and whether your podcasting business owns property or employs staff can also affect policy premiums.
If you have a studio, commercial property insurance and workers’ compensation may be necessary to cover your physical assets and employee injuries.
With a tailored approach, Founder Shield ensures that you get the most appropriate coverages at the most affordable rates, so your investment in protection doesn’t impede your creative process or your company’s growth.
The cost of insurance for podcasting operations will depend on several things, including the operation’s size and development stage. Other factors include:
Exposures: risks being insured
Company practices: views on safety, compliance, and risk management
Program structure: the amount of deductible and willingness for a company to assume more risk
Claims history: the type and amount of past claims against the company
While podcasting insurance is not legally mandated, it’s highly recommended for podcasters. Given the potential risks, such as content-related disputes or equipment damages, securing protection can prevent costly out-of-pocket expenses and legal complications.
The amount of publishing insurance you need largely depends on the scale of your operations, the value of your equipment, and the potential risks associated with your content. Consider factors like your audience size, the nature of topics discussed, and any events or collaborations you might undertake. Consulting with an insurance expert can help pinpoint the appropriate coverage amount.
To secure publishing insurance, start by researching providers who specialize in media or content creation coverage. After shortlisting potential insurers, request quotes, compare offerings, and engage in a consultation to discuss specific needs. Once you’ve settled on a provider, the underwriting process begins, culminating in policy issuance upon agreement.
Business liability insurance protects companies against claims resulting from injuries or damages sustained during the course of business operations. This includes bodily injuries, property damage, and personal and advertising injuries. Essentially, it offers a financial safeguard against unexpected incidents that may arise during everyday business activities.
Absolutely. Insurance providers typically offer flexibility, allowing policyholders to tailor their coverage to fit specific needs. Depending on the risks you identify in your publishing endeavors, you can work with the insurer to adjust coverages, limits, and endorsements, ensuring a policy that aligns perfectly with your operational landscape.
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Finding podcaster policies doesn’t have to be painful. We aim to make the purchasing experience as streamlined and intuitive as possible.
1
Get a quote
Use our custom-built digital platform to get quotes fast. We automate clerical tasks that plague traditional brokerages, giving us more time to be responsive and alert to your company’s needs.
2
Pair with a specialist
No two organizations are the same. Our team of coverage experts partners with your team to engineer your risk management strategy, together. We take the time to understand the intricacies of your company to get you the best possible coverage.
3
Stay one step ahead
To do better, you need to know better. With changing political, technological, legal, and economic landscapes, staying ahead of the curve is critical.
Our in-house team is tapped into the latest developments in your industry, proactively ensuring you’re covered.
Jonathan Selby, Tech & Media Lead and General Manager
Meet Your Publishing Insurance Specialist
Jonathan spent the first five years of his professional insurance career working as a generalist broker at a traditional firm on Long Island. Intrigued by how to leverage technology in the industry, he joined the Founder Shield team in 2016 and quickly grew into his current leadership role of General Manager. Jonathan works to oversee client strategy and communication, and has fostered a culture of providing unparalleled service and risk consulting for some of the fastest growing companies in the world. Outside of work, he can be found on the basketball court and chess board — but not at the same time.
Founder Shield is a leading insurance provider that specializes in offering comprehensive coverage for podcasters, offering numerous benefits and advantages over traditional brokers. Here’s a breakdown of some of the key features and benefits that you’ll enjoy with us:
Benefits of Choosing Founder Shield
Industry Expertise
Founder Shield is focused on protecting rapidly evolving podcast operations. We ensure that our products are tailored to meet the unique needs of podcasters.
Customized Solutions
Founder Shield offers bespoke policies that are designed specifically for each client’s needs, ensuring comprehensive coverage that addresses the unique risks associated with podcasting operations.
Fast Quotes
With Founder Shield’s streamlined quoting process, you can receive a personalized quote for your podcasting insurance quickly, allowing you to make informed decisions fast.
Ease of Use
Founder Shield’s user-friendly digital platform makes it easy to manage your policy, submit claims, and access important documents whenever you need them.
Dedicated Support
Founder Shield provides exceptional customer service, with dedicated account managers who are always available to assist you with any questions or concerns you may have about your insurance policy.
Scalable Coverage
As your podcasting operation grows, Founder Shield’s policies can grow with you, ensuring you always have the right level of coverage for your changing needs.
Founder Shield is a preferred choice for podcasting because of our specialization in the Media industry. We offer flexible and customized insurance policies, a speedy quoting process, and exceptional customer service with dedicated account managers.
Great service – proactive, responsive, go beyond what I have expected from previous providers. The team do a wonderful job
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Amit Patel
